Call reports 2003
NATIONAL EXCHANGE BANK AND TRUST — 2003
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 802,336,000 | 814,249,000 | 808,152,000 | 804,345,000 |
| Total loans | 492,311,000 | 488,235,000 | 489,022,000 | 521,248,000 |
| Allowance for loan losses | 11,787,000 | 11,723,000 | 11,705,000 | 11,660,000 |
| Securities available for sale | 136,389,000 | 166,368,000 | 195,785,000 | 190,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,922,000 | 639,659,000 | 628,725,000 | 622,445,000 |
| Interest-bearing deposits | 560,199,000 | 560,913,000 | 556,043,000 | 540,192,000 |
| Noninterest-bearing deposits | 66,723,000 | 78,746,000 | 72,682,000 | 82,253,000 |
| Equity capital | 101,718,000 | 106,411,000 | 108,321,000 | 107,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,213,000 | 20,590,000 | 30,662,000 | 40,655,000 |
| Interest expense | 2,966,000 | 5,983,000 | 8,661,000 | 11,105,000 |
| Net interest income | 7,247,000 | 14,607,000 | 22,001,000 | 29,550,000 |
| Noninterest income | 1,803,000 | 3,706,000 | 5,673,000 | 7,179,000 |
| Noninterest expense | 4,272,000 | 8,744,000 | 13,355,000 | 18,004,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,777,000 | 9,576,000 | 14,405,000 | 18,811,000 |
| Income tax | 1,340,000 | 2,695,000 | 4,059,000 | 5,277,000 |
| Net income | 3,437,000 | 6,881,000 | 10,346,000 | 13,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,655,000 | 90,959,000 | 94,590,000 | 93,952,000 |
| Total capital | 95,008,000 | 98,259,000 | 101,532,000 | 101,628,000 |
| Risk-weighted assets | 583,834,000 | 549,769,000 | 550,582,000 | 575,618,000 |